Latest blog posts

As is so often the case with some of the lengthy documents that make up the Shakespearean drama that is the MiFID II implementation, the devil is in the detail. The technical standards on position limits for commodity derivatives are a good example. Right at the very end, just before President Juncker's imprimatur, is a little tidbit suggesting th...

After a hectic 2016, chief risk officers will be hoping for a quiet wind-down to the year and a high-performing, risk-managed 2017. But what do they need this Christmas in order to have a successful 2017? Top of each CRO’s wish list is speed. Companies need to accelerate customer onboarding and are continuously striving to improve the customer expe...

Commercial card payments have failed to take off, despite significant potential benefits for suppliers, buyers, and card providers. Today, only some 2% of global business spend is captured on card. Ne...

Cyberattacks and breaches have grown in frequency, and losses are on the rise. In 2015 the number of U.S. data breaches continued to break records with 781 reported where the number of records exposed...

So, what will the branch of the future be like? There is no single answer to this question. Each bank will define its own model, depending on its DNA, its target socioeconomic segment(s), its geograph...

The internet looks set to advise many aspects of our lives from the moment we wake up in the morning until the moment we go to sleep. Even the humble toaster can be connected to a wireless network whi...

Only a few months ago, blockchain was considered a bit geeky, and known mainly in crypto-hacking and techno-banking circles. Critics said it was a technology in search of use cases. Whilst it’s hardly...

We need to accelerate TMS roadmaps and increase the agility of the big investments we’ve made in these systems As the backbone of Anti-Money Laundering (AML) deployments for more than 15 years now, ...

You can say what you like about 2016 but it’s unlikely to be forgotten. Whereas the memory of most years quickly blur, there’s little doubt that the one just passed will be vividly remembered for a ho...

Additional stringent know your customer (KYC) regulation comes into effect in the US in spring 2018. The new rules concern ‘beneficial ownership’ – institutions will have to discover ‘ownership’ – def...